Journal
Insights from the inside of European banking
Original writing on SEPA, SWIFT, crypto regulation, business banking, and the fintech landscape — from the team at Nedsom.
VAT and SaaS: the EU rules every founder should know
For a SaaS business selling across EU borders, VAT is the single most-ignored and most-costly compliance area. Here is the plain-language overview.
Read articleThe Instant Payments Regulation: what just became mandatory in 2026
From the start of 2026, every eurozone bank must offer SEPA Instant transfers at no extra cost. For end users this is quietly a very big deal.
GDPR and banking: what your bank is and is not allowed to do with your data
Banks sit on more of your personal data than almost any other business. GDPR constrains what they can do with it. Here is the plain-language summary of your rights.
PSD2 in plain English: what the Payment Services Directive actually does
PSD2 is the regulation that let neo-banks exist in the form you know today. Here is why it was written and what it means in practice for your bank statements, logins, and 2FA.
What DNB regulation actually means for your money
De Nederlandsche Bank is one of the most respected financial regulators in Europe. Here is what a DNB licence requires an institution to do — and what it means for you as a customer.
KYC explained: why banks demand your passport before they open an account
Every EU bank is required to verify who you are before you can hold money or make transfers. Here is the regulation behind KYC, what documents actually get checked, and how long each step takes.